 20 years. He can't pay off a $10,000 loan in 20 years. I know he works for a newspaper, and they don't pay very well, but still. He says, it's historic, unprecedented, and continues to be extremely divisive. Gee, I wonder why. For a generation of college students exploited by, oh yeah, you're the victim, college grad, you're the victim here. Okay. For a $10,000 student loan, you're the victim. Right.